Does anyone know if there has been any Penfed approvals for people with just 1 account on their credit report? There is nothing negative on the report. The only account is a new credit card with a 1k limit and the score is about 720. There are a few accounts on TU and EX but I have heard that Penfed only pulls EQ. Just signed up with Penfed on Friday and submitted the app on Saturday and got the under review message. There is a fraud alert on the report and there is not any inquiry from Penfed yet. Should I call them?
Yeah, there should have been a pull almost immediately. Or at least that's how it used to be.
I read somewhere on myfico, you need a year of credit history in order to be approved for a CC with Penfed. I'm uncertain if that's true or not.
I read somewhere on myfico, you need a year of credit history in order to be approved for a CC with Penfed. I'm uncertain if that's true or not.
Calling them wouldn't hurt just to be sure. They may even be able to give you more info on your app. I could not say with certainty that nobody has ever been approved with only one account showing. But it probably isn't as often of an occurrence.
Will they pull another report if I ask them to? My AAoA on Eq is 2 months but it is a little over 9 years for TU and Ex. For some reason everything did not report to Eq.
@FinStar wrote:
You can ask, but unfortunately they won't pull another CRA unless they have issues accessing EQ (split file, incomplete system data, etc.), or due to ID theft/Fraud on the CR in question.
Why such discrepancy on the CRs OP? Are the tradelines that are reporting in TU/EX AU accounts or individual?
I was a victim of id theft in the past but I do not know if that is the reason that everything is not reporting to EQ.